Nilow is the free way to split expenses with roommates, friends, partners, and
travel groups. Add an expense in seconds, see who owes whom, and settle up
with the payment app you already use.

Unlimited and free — really
No daily limits. No caps on groups, members, or expenses. The core of Nilow is
free forever, with no ads and no bank account linking.

Made for real groups
• Roommates: split rent, wifi, groceries — set rent reminders so no one forgets
• Trips: track every taxi and dinner, in any currency, even offline
• Couples: keep a simple running balance, settle whenever

Scan receipts, split items
Point your camera at a bill. Nilow reads it on your device (nothing is
uploaded), splits items between people, and prorates the tax and tip. Free.

Settle up your way
Nilow shows the fewest payments needed to clear the group, then hands off to
UPI, Pix, Venmo, PayPal, or IBAN with the amount prefilled. Record cash too.

Works offline
Add expenses on a trek or a flight. Everything syncs when you're back online.

Private by design
No bank linking. No contact list required. No ads, no data selling. Your name
and an optional email are all Nilow ever knows about you.

Switching from another app?
Import your Splitwise CSV export in one step — groups, members, and history
come with you.

Nilow Pro
Automatic recurring expenses, PDF statements, cloud backup, unlimited receipt
photos, spending analytics. Fair yearly price, local pricing in your country.
Splitting stays free forever.

Split anything. Owe nil.